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Deposit Rates

Deposit Interest Rates // Effective Date: June 4, 2013

INVESTMENT PRODUCT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) FREQUENCY OF COMPOUNDING MINIMUM REQUIRED BALANCE
CERTIFICATES OF DEPOSIT
91 Day 0.05% 0.05% At Maturity $2,500
182 Day 0.10% 0.10% At Maturity $2,500
9 Month 0.15% 0.15% Quarterly $500
12 Month 0.25% 0.25% Semi-Annual $500
15 Month 0.30% 0.30% Quarterly $500
18 Month 0.35% 0.35% Semi-Annual $500
24 Month 0.40% 0.40% Semi-Annual $500
30 Month 0.65% 0.65% Semi-Annual $500
36 Month 0.85% 0.85% Semi-Annual $500
60 Month 1.20% 1.20% Semi-Annual $500
DREAMBUILDER CDs
12 Month 0.25% 0.25% Semi-Annual $50
18 Month 0.35% 0.35% Semi-Annual $50
48 Month 0.95% 0.95% Semi-Annual $50
PEACE OF MIND
24 Month 0.40% 0.40% Semi-Annual $500
IRA/ROTH/CESA CDs
182 Day 0.20% 0.20% At Maturity $50
18 Month 0.45% 0.45% Semi-Annual $50
18 Month Variable* 0.45% 0.45% Semi-Annual $50
24 Month 0.50% 0.50% Semi-Annual $50
48 Month 1.05% 1.05% Semi-Annual $50
60 Month 1.30% 1.30% Semi-Annual $50
HEALTH SAVINGS ACCOUNT CD
24 Month 0.50% 0.50% Semi-Annual $2,500
SAVINGS ACCOUNTS
R. Banking Friends* 0.05% 0.05% Quarterly $5
Christmas Club
Automatic Transfer 0.30% 0.30% Annually $5
Non-Automatic Transfer 0.20% 0.20% Annually $5
Statement Savings* 0.05% 0.05% Monthly $100
iSavings* 0.10% 0.10% Monthly $100
Passbook Savings* 0.01% 0.01% Quarterly $100
Money Market* $1,000
$1,000 - $14,999.99 0.05% 0.05% Monthly  
$15,000 - $29,999.99 0.07% 0.07% Monthly  
$30,000 - $59,999.99 0.10% 0.10% Monthly  
$60,000 - PLUS 0.15% 0.15% Monthly  
Money Market Max* $10,000
$10,000 - $99,999.99 0.10% 0.10% Monthly  
$100,000 - $499,999.99 0.15% 0.15% Monthly  
$500,000 - $999,999.99 0.18% 0.18% Monthly  
$1,000,000 - PLUS 0.20% 0.20% Monthly  
CHECKING ACCOUNTS
iChecking & Advantage Plus* $500
$500 - $2,499.99 0.03% 0.03% Monthly  
$2,500 - $4,999.99 0.05% 0.05% Monthly  
$5,000 - PLUS 0.07% 0.07% Monthly  
Advantage Classic & VIP* $1,000
$1,000 - $2,499.99 0.03% 0.03% Monthly  
$2,500 - $4,999.99 0.05% 0.05% Monthly  
$5,000 - $9,999.99 0.07% 0.07% Monthly  
$10,000 - PLUS 0.07% 0.07% Monthly  
iBusiness Checking $100
$1,000 - $14,999.99 0.03% 0.03% Monthly  
$15,000 - $29,999.99 0.05% 0.05% Monthly  
$30,000 - $59,999.99 0.07% 0.07% Monthly  
$60,000 - PLUS 0.10% 0.10% Monthly  
         
Health Savings Account* 0.10% 0.10% Monthly $50

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Early withdrawals may be subject to penalties. Penalties will be 1 month, 3 months, 6 months, 12 months, or 18 months interest on the amount withdrawn depending on the term of the CD. Certificates of Deposit will automatically renew at maturity. Fees could reduce earnings.

* The interest rate and annual percentage yield may change after the account is opened.

Deposits or depositors are insured by the Federal Deposit Insurance Corporation at least $250,000 for each depositor.

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